医保个人账户跨省共济是指参保人员在异地就医或购药时，可以使用本人医保个人账户中的资金支付符合规定的医疗费用。近年来，国家医保局持续推进医保改革，扩大个人账户使用范围，实现跨省共济，提升医保基金使用效率和群众就医便利性。具体操作上，参保人需确保已办理医保异地就医备案（可通过国家医保服务平台App、微信小程序或当地医保部门完成）。备案成功后，在支持医保个人账户结算的定点医疗机构或药店，可直接刷医保电子凭证或社保卡，系统将自动从个人账户中扣款支付合规费用。目前，全国大部分省份已接入国家统一医保信息平台，支持跨省个人账户共济使用。需要注意的是，并非所有医疗项目都可用个人账户支付，通常限于药品、诊疗项目及医用耗材等医保目录内自付部分。此外，部分地区可能对共济对象（如配偶、父母、子女）开放家庭共济功能，允许绑定亲属使用账户余额，但需按当地政策办理绑定手续。总之，医保个人账户跨省共济极大方便了流动人口、随迁老人等群体的就医购药需求，是医保服务便民化的重要举措。
Cross-provincial mutual assistance of individual medical insurance accounts allows insured individuals to use funds from their personal medical insurance accounts to pay for eligible medical expenses when seeking treatment or purchasing medicine outside their home province. In recent years, China’s National Healthcare Security Administration has continuously advanced reforms to expand the scope of personal account usage and enable cross-provincial access, improving both fund utilization efficiency and public convenience.To use this service, individuals must first complete an out-of-province medical care registration, which can be done via the National Medical Insurance Service Platform app, WeChat mini-programs, or local medical insurance offices. Once registered, they can directly use their electronic medical insurance credentials or social security card at designated hospitals or pharmacies that support personal account settlements. The system will automatically deduct eligible expenses from their personal account. Most provinces across China are now connected to the national unified medical insurance information platform, enabling cross-provincial personal account usage.Note that not all medical services are covered—typically only self-paid portions of drugs, treatments, and medical supplies listed in the national insurance catalog qualify. Additionally, some regions allow family members (e.g., spouses, parents, children) to share the account balance through a ‘family mutual assistance’ feature, subject to local policy and required registration procedures.Overall, this initiative significantly benefits mobile populations and elderly dependents by making healthcare access more convenient—a key step toward people-centered medical insurance services.
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